After voicing that I will be hiring an attorney and filing a compliant with the Utah Division of Consumer Protection all my ad spend was cut off without warning to make it look like I violating the agreement and I was also locked out of some areas CRM system.

They are also looking for code issues and other hazards which hopefully you are compliant with no matter what. 

So most agents are only putting about half of that $12k in their pocket, and out of that $6k they have to cover all of their operating expenses: licensing fees, MLS/ Realtor Association fees, continuing education classes to stay compliant with licensing requirements, monthly "desk" fees/ technology fees to their brokerage, health insurance for themselves and their family, errors and omissions insurance (required), marketing, car, car insurance, gas, clothes, computer/ software, cell phone, closing gifts, signs, photography, staging if they offer that, etc.

The entire reason I hired a company is they are the experts and I expect them to take full accountability of making sure I am in the know and 100% compliant.

The entire reason I hired a company is they are the experts and I expect them to take full accountability of making sure I am in the know and 100% compliant.

The rule of thumb is that in order to be compliant, the living spaces of the home must be built at a minimum of 1 feet above the Base Flood Elevation.

The FHA could view this as a breach of your loan terms.Recommendation: To stay compliant, wait until January 19, 2025 (12 months from your closing date) before refinancing or transferring ownership.2.

However, I wouldn't recommend this approach as it could lead to big trouble and fines (up to $10,000 per non-compliant message). 

It may be worth trying to get more 'tenant access/compliant' money and just taking care of the encroachments yourself.

Like others have said, Id do WHATEVER you need to to get a COMPLIANT sprinkling system up ASAP.